HEALTH INSURANCE

Health Insurance Education

At Mobility Plus, we believe that knowledge is power! This is especially true for health insurance. The ins and outs of health insurance are not something you want to learn the hard way (i.e. after you get a nasty bill from a health care provider). By taking it upon yourself to learn about health care, you will be able to play a much greater role in your own healthcare and the finances that go along with it.

Can you tell me what will be covered by my insurance company?

Prior to, or during, your initial examination, we will do a brief verification of your benefits. After the exam, we will briefly go over your estimated coverage and cost. We provide this courtesy, because we want to ensure that you have a clear understanding of every aspect of your treatment. This creates the opportunity to work with us towards being the best you, rather than feeling as though your health is out of your hands.

How much does insurance cover?

Our office is in-network and preferred providers with most insurance plans. However, all insurance policies and coverage vary. The best way to find out your coverage is to call your insurance company with any questions prior to your visit. Keep in mind that the comprehensive treatment we provide results in fewer visits required (in lieu of prolonged care) which means to less out-of-pocket expense and more accessible care.

Patient responsibilities:

Although we try very hard to give you accurate financial information for your treatment, please understand that what we have estimated as a financial commitment for your well-being is just that: an estimate. The benefit information we give you is based on the information given to us by your insurance company. We strongly encourage you to call the number on the back of your insurance card to confirm the benefit information we have been given. We cannot hold insurance companies accountable for misquoting us, but if you call and receive incorrect information, you can! Make sure that every time you contact a representative from your insurance company, you write down the date and time of the call as well as a call reference number. This will ensure that, should they misquote you, you are able to hold them accountable.

What if I have no insurance or my insurance doesn’t cover your services?

It is best to call our office and speak directly with our patient support staff about time of service rates. We are interested to know what type of services you are looking for to see if we can still meet, or even exceed, your needs.

Do you bill under Chiropractic or Physical Therapy?

Because of the overlap between Chiropractic and Physical Therapy procedures, there is also an overlap of codes we are required to bill insurance companies. These codes are not unique to a certain specialty, such as a Chiropractor vs. a Physical Therapist vs. a Massage Therapist). These codes are required by insurance to be utilized, and simply describe the type of care being provided to the patient. Individual insurance companies can vary in how they allocate payment for these codes. Allocation of codes to Chiropractic benefits and/or Physical Therapy benefits are independent of “how” they are billed. Insurance companies decide based upon their own internal parameters of where to allocate these procedures and do not freely share this information with provider facilities. Therefore, it is necessary to contact your insurance company with any specific questions.